System for affecting appointment calendaring on a mobile device based on dependencies

ABSTRACT

Embodiments of the invention include systems, methods, and computer-program products for scheduling and affecting appointment calendaring based on dependencies. As such, the invention provides for a dynamic appointment calendaring based on changes in the user&#39;s location. The dependencies comprise current and potential future locations and times of a user. The invention continuously monitors the calendars of the user on one or more devices. Further, the invention determines a change in existing appointments or cancellation of an appointment such that the user is newly available at certain time or determines a change in current and potential future locations of the user. Subsequently, the invention then evaluates one or more upcoming future appointments of the user with the financial institution specialists and ascertains the appointment details. The invention then automatically, schedules one or more new appointments at a new time and/or location with relevant specialists.

BACKGROUND

Today, areas of technology, finance, business, and the like have becomehighly specialized. With each specialization requiring individuals withknowledge of the unique issues that arise in that area. When a userwishes to set up an appointment with an entity, he/she generally has anissue to discuss that may require one of the specialists in thatparticular field. Usually, the appointment setting process takes time toidentify the user issue, identify the appropriate specialist, gather orobtain the necessary information, and to schedule the appointment.

BRIEF SUMMARY

Embodiments of the present invention address the above needs and/orachieve other advantages by providing apparatuses (e.g., a system,computer program product and/or other devices) and methods for affectingdynamic appointment calendaring based on dependencies. The dependenciescomprise current and potential future times and locations of a user. Assuch, the invention provides for a smart appointment calendaring basedon monitoring the current and potential future locations of the user.For example, if the user is currently near a financial institution, theinvention may determine that the user has an existing appointment with acredit card specialist at a different location in the future andschedule a new appointment with a new credit card specialist at thecurrent location in real time. Furthermore, in some embodiments, theinvention allows the user to add a voice message to set up theappointment, thus analysis of the voice message may be performed by theinvention systems to match the user with the most appropriatespecialist.

In some embodiments, the invention retrieves one or more appointments onthe calendar of the user. Preferably, the invention continuouslymonitors the calendars of the user on one or more devices. In someembodiments the invention determines a change in existing appointmentsor cancellation of an appointment such that the user is newly availableat a certain time.

Subsequently, the invention then evaluates one or more upcoming futureappointments of the user with the financial institution specialists andascertains the appointment details. The invention determines if theassociated specialist is available at the time slot of the cancelledappointment and proposes a new appointment.

In some embodiments the invention may employ suitable criteria todetermine if a new appointment is feasible. For instance the inventionwould determine that a new appointment with a secondary specialist, witha partial match to user requirements is not feasible if the appointmentwith the primary specialist, with a complete match to user requirementshas not occurred. For instance if the determined new specialist has thesame specialization required for the appointment the system determinedthat an appointment with the new specialist is feasible.

Finally, the invention may determine one or more suitable appointmentsat a predetermined future date based on the determined availability andlocation. In some embodiments, the system may also calendar theappointment for both the specialist and the user. In other embodiments,the system may confirm the appointment with both the specialist and theuser prior to scheduling the appointment.

Embodiments of the invention relate to systems, methods, and computerprogram products for appointment calendaring based on dependencies, theinvention comprising: retrieving one or more existing appointments on acalendaring application associated with an electronic device of a user;monitoring the calendaring application to determine one or more existingappointments of the user at a first location of a financial institution,associated with a predetermined specialization; analyzing an userprofile continuously to determine a new user location, wherein the newuser location comprises a change in current or potential futurelocations of the user; determining a second location of the financialinstitution, wherein determining a second location of the financialinstitution further comprises: determining one or more locations of thefinancial institution, wherein determining further comprises retrievingthe one or more locations from an entity database of locations;determining a first distance between the new user location and the firstlocation of the financial institution; determining a second distancebetween the new user location and each of the one or more locations ofthe financial institution; and determining a second location such thatthe first distance is greater than the second distance; determine theavailability of one or more specialists associated with the one or moreexisting appointments; schedule, based on determining that the one ormore specialists associated with the one or more existing appointmentsand the user are available, one or more new appointments and send thescheduled one or more new appointments to the calendaring application ofthe one or more specialists and the user; identify one or morespecialists within an entity database of specialists that match thesecond location and the predetermined specialization, based ondetermining that the one or more specialists associated with the one ormore existing appointments are not available; determining availabilityof the one or more identified specialists and the user for appointmentcalendaring; and scheduling, based on the availability of the one ormore identified specialists and the user, one or more new appointmentsand send the scheduled one or more new appointments to the calendaringapplication of the one or more specialists and the user.

In some embodiments the invention further comprises creating the userprofile for the user by storing demographic information, financialinformation, transaction history, navigation history, social mediainformation and the like, associated with the user, wherein navigationhistory comprises one or more sections of an application viewed by theuser based on the monitoring of the user navigation of the applicationin association with transaction history of the user.

In some embodiments, determining the second location such that the firstdistance is greater than the second distance further comprises analyzingthe one or more determined locations of the financial institution basedon optimization methods.

In some embodiments, identifying one or more specialists within anentity database of specialists that match the predeterminedspecialization further comprises identifying primary specialists thatare a perfect match to the predetermined specialization and secondaryspecialists that are partial matches to the predeterminedspecialization.

In some embodiments, determining availability of the user forappointment calendaring further comprises accessing the electronicdevice associated with the user and the calendaring applicationassociated with the same to identify the availability of the user forappointment calendaring.

In some embodiments, scheduling the one or more new appointments furthercomprises canceling the one or more existing appointments by accessingthe calendars of one or more specialists associated with the one or moreexisting appointments.

In some embodiments the invention further comprises scheduling one ormore office spaces for the one or more new appointments, whereinscheduling one or more office spaces further comprises: determiningavailability of the one or more office spaces at the second location,based on at least times and dates of the one or more new appointments;reserving, automatically, the one or more office spaces at the secondlocation, based on determining the availability of the one or moreoffice spaces; and transmitting the details of the reserved one or moreoffice spaces to the one or more specialists and the user.

In some embodiments, scheduling the one or more new appointments basedon the availability of the one or more identified specialists and theuser further comprises: transmitting details of the one or more newappointments to a mobile device associated with the user; receiving oneor more confirmations associated with the one or more new appointmentsfrom the user, wherein the at least one of the one or more confirmationsis an audio confirmation; analyzing the tone and content of the audioconfirmation; and comparing the audio confirmation with previouslyreceived audio confirmations from the user to determine if the userplans to retain the one or more new appointments.

The features, functions, and advantages that have been discussed may beachieved independently in various embodiments of the present inventionor may be combined with yet other embodiments, further details of whichcan be seen with reference to the following description and drawings.

BRIEF DESCRIPTION OF THE DRAWINGS

Having thus described embodiments of the invention in general terms,reference will now be made to the accompanying drawings, wherein:

FIG. 1 provides a an appointment calendaring system environment, inaccordance with embodiments of the present invention;

FIG. 2 provides a high level process flow illustrating a process foraffecting appointment calendaring based on navigation context, inaccordance with some embodiments of the present invention;

FIG. 3 provides a high level process flow for determining one or moresolutions, in accordance with some embodiments of the present invention;

FIG. 4 provides a high level process flow illustrating a process forfacilitating appointment calendaring based on perceived requirements, inaccordance with some embodiments of the present invention;

FIG. 5 provides a high level process flow for determining one or moresolutions, in accordance with some embodiments of the present invention;

FIG. 6 provides a high level process flow for facilitating appointmentcalendaring, in accordance with some embodiments of the presentinvention;

FIG. 7 provides a high level process flow for illustrating a process forpre and post appointment enrichment, in accordance with some embodimentsof the present invention;

FIG. 8 provides a high level process flow for illustrating a process foraffecting appointment calendaring based on dependencies, in accordancewith some embodiments of the present invention; and

FIG. 9 provides an appointment calendaring user interface, in accordancewith some embodiments of the present invention.

DETAILED DESCRIPTION OF EMBODIMENTS OF THE INVENTION

Embodiments of the present invention will now be described more fullyhereinafter with reference to the accompanying drawings, in which some,but not all, embodiments of the invention are shown. Indeed, theinvention may be embodied in many different forms and should not beconstrued as limited to the embodiments set forth herein; rather, theseembodiments are provided so that this disclosure will satisfy applicablelegal requirements. Like numbers refer to elements throughout. Wherepossible, any terms expressed in the singular form herein are meant toalso include the plural form and vice versa, unless explicitly statedotherwise. Also, as used herein, the term “a” and/or “an” shall mean“one or more,” even though the phrase “one or more” is also used herein.

Although some embodiments of the invention herein are generallydescribed as involving a “financial institution,” one of ordinary skillin the art will appreciate that other embodiments of the invention mayinvolve other businesses that take the place of or work in conjunctionwith the financial institution to perform one or more of the processesor steps described herein as being performed by a financial institution.Still in other embodiments of the invention the financial institutiondescribed herein may be replaced with other types of businesses that mayprovide payment accounts for transactions.

Some portions of this disclosure are written in terms of a financialinstitution's unique position with respect to user transactions. Assuch, a financial institution may be able to utilize its unique positionto monitor and identify transactions for products or with merchants thatutilize financial institution accounts to complete the transactions.

The embodiments described herein may refer to the initiation andcompletion of a transaction. Unless specifically limited by the context,a “transaction”, “transaction event” or “point of transaction event”refers to any user completing or initiating a purchase for a product,service, or the like. The embodiments described herein may refer to an“advertisement.” The embodiments described herein relate to solving aproblem of appointment calendaring for a customer. If the customer hasone or more requirements or issues, the customer may not know how tofind solutions quickly and effectively. The present invention solvesthese problems automatically and in real time, by determining customerrequirements and identifying suitable specialists. Therefore, thepresent invention in addition to solving current problems of thecustomer also helps the customer preclude future issues that thecustomer might not even be aware of and helps improve the customer'sfinances. The present invention communicates with multiple systems andperforms specialized functions to facilitate appointment calendaringboth before and after the scheduling of the appointment.

FIG. 1 illustrates an appointment calendaring system environment 100, inaccordance with one embodiment of the present invention. As illustratedin FIG. 1, the financial institution system 108 is operatively coupled,via a network 101 to the user system 104, and to the third party system106. In this way, the financial institution system 108 can sendinformation to and receive information from the user system 104 and thethird party system 106 to provide appointment calendaring for one ormore users. FIG. 1 illustrates only one example of an embodiment of theappointment calendaring system environment 100, and it will beappreciated that in other embodiments one or more of the systems,devices, or servers may be combined into a single system, device, orserver, or be made up of multiple systems, devices, or servers.

The network 101 may be a global area network (GAN), such as theInternet, a wide area network (WAN), a local area network (LAN), or anyother type of network or combination of networks. The network 101 mayprovide for wireline, wireless, or a combination wireline and wirelesscommunication between devices on the network 101.

In some embodiments, the user 102 is an individual associated with thefinancial institution. In some embodiments, the user 102 may access thefinancial institution system 108 through an interface comprising awebpage or a user application. Hereinafter, “user application” is usedto refer to an application on the user system 104 of a user, a widget, awebpage accessed through a browser, and the like. In some embodimentsthe user application is a user system application 122 stored on the usersystem 104. In some embodiments the user application may refer to athird party application or a user application stored on a cloud used toaccess the financial institution system through a network. In someembodiments the user application is stored on the memory device 150 ofthe financial institution system. The user 102 may subsequently navigatethrough the interface, perform one or more searches or conduct one ormore transactions using a user system 104. In some embodiments, apurchase may be made by the user 102 using the user system 104. In someembodiments, the user 102 may be a merchant or a person, employee,agent, associate, independent contractor, and the like that has anaccount or business with a financial institution or another financialinstitution that may provide payment to complete a transaction.

FIG. 1 also illustrates the user system 104. The user system 104generally comprises a communication device 112, a processing device 114,and a memory device 116. The user system 104 is a computing system thatallows a user 102 to interact with the financial institution to set uppayment or transaction accounts to complete transactions for productsand/or services. The processing device 114 is operatively coupled to thecommunication device 112 and the memory device 116. The processingdevice 114 uses the communication device 112 to communicate with thenetwork 101 and other devices on the network 101, such as, but notlimited to the third party system 106 and the financial institutionsystem 108. As such, the communication device 112 generally comprises amodem, server, or other device for communicating with other devices onthe network 101. In some embodiments the network 101 comprises a networkof distributed servers.

The user system 104 comprises computer-readable instructions 120 anddata storage 118 stored in the memory device 116, which in oneembodiment includes the computer-readable instructions 120 of the usersystem application 122. In this way, a user 102 may open a financialinstitution account, remotely communicate with the financialinstitution, authorize a transaction, and/or complete a transactionusing the user's user system 104. The user system 104 may be, forexample, a desktop personal computer, a mobile system, such as acellular phone, smart phone, personal data assistant (PDA), laptop, orthe like. Although only a single user system 104 is depicted in FIG. 1,the system environment 100 may contain numerous user systems 104.

As further illustrated in FIG. 1, the financial institution system 108generally comprises a communication device 146, a processing device 148,and a memory device 150. As used herein, the term “processing device”generally includes circuitry used for implementing the communicationand/or logic functions of the particular system. For example, aprocessing device may include a digital signal processor device, amicroprocessor device, and various analog-to-digital converters,digital-to-analog converters, and other support circuits and/orcombinations of the foregoing. Control and signal processing functionsof the system are allocated between these processing devices accordingto their respective capabilities. The processing device may includefunctionality to operate one or more software programs based oncomputer-readable instructions thereof, which may be stored in a memorydevice.

The processing device 148 is operatively coupled to the communicationdevice 146 and the memory device 150. The processing device 148 uses thecommunication device 146 to communicate with the network 101 and otherdevices on the network 101, such as, but not limited to the third partysystem 106 and the user system 104. As such, the communication device146 generally comprises a modem, server, or other device forcommunicating with other devices on the network 101.

As further illustrated in FIG. 1, the financial institution system 108comprises computer-readable instructions 154 stored in the memory device150, which in one embodiment includes the computer-readable instructions154 of a financial institution application 158. In some embodiments, thememory device 150 includes data storage 152 for storing data related toadvertisement impressions and user transaction correlation, but notlimited to data created and/or used by the financial institutionapplication 158.

In the embodiment illustrated in FIG. 1 and described throughout much ofthis specification, the financial institution application 158 mayreceive an indication that a user 102 accessed the financial institutionsystem 108 through the user application. In some embodiments thefinancial institution application 158 may receive an indication that auser 102 accessed the user application of another entity throughoperative communication with the third party system 106 via the network101. In some embodiments the financial institution application 158,accessing the user data stored in the data storage 152, may receiveauthentication credentials from a user 102 and enable the user 102 toaccess the financial institution system through the user application bycommunicating with the user system 104. The financial institutionapplication is further configured to monitor the user's navigationthrough the user application to determine one or more sections or pagesof the application, accessed by the user 102. In this regard thefinancial institution application 158, in conjunction with the databaseor data storage 152 may identify multiple dates and times and associatedduration in which the user 102 accessed a particular section or page ofthe application. In some embodiments the financial institutionapplication 158 enables the user 102 to perform one or more searches byreceiving search terms as input. In some embodiments the financialinstitution application 158 determines a user profile, preferably storedin the memory device 150 to maintain data security, comprising theuser's demographic information, financial information, transactionhistory and navigation history to analyze the one or more sections andthe user profile to determine user intent.

In some embodiments the financial institution application 158 analyzesthe user profile comprising the user's information, financialinformation, transaction history, and navigation history. The userprofile is preferably retrieved form a database or data storage 152 ofthe financial institution system 108 or a data storage system separatefrom the financial institution system. In some embodiments, inconjunction with the third party system 106, the financial institutionapplication 158 may receive information about merchants and productsassociated with the navigation history to further determine user intent.The financial institution application 158 then determines the financialpreparedness of the user 102 by assessing the assets and theliabilities, fund inflows and outflows, and estimated rates of returnsfor the assets that provide returns. The financial institutionapplication 158 then determines the lifestyle of the user 102. In someembodiments the financial institution application 158 determines thefinancial history of the user 102 comprising at least one of a spendinghistory, investment history, and savings history. Finally, the financialinstitution application 158 determines one or more current problemsand/or one or more potential concerns for the user 102 based on theanalysis of the user's financial information.

In some embodiments the financial institution application 158 determinespossible solutions to address the one or more current requirements, theone or more potential concerns for the user 102 and the user intent. Thefinancial institution application 158 then determines one or morefinancial products available to implement the solutions by sendingrequests and receiving information from the third party system 106 andthe database or data storage 152 of the financial institution system108. The financial institution application 158 may transmit theidentified financial products to the user system 104 through thecommunication device 146 via the network 101. In some embodiments, inconjunction with the third party system 106, the financial institutionapplication 158 may identify one or more specialists, advisors andassociates to help the user implement the identified solutions and/orthe one or more financial products. Further the financial institutionapplication 158 may establish operative connections with the user system104 and the third party system 106 to determine the availability of theuser 102 and the one or more specialists. The financial institutionapplication 158 may then access a location device such as GPS or AR onthe user system 105 and determine current and potential future locationsof the user 102 to determine one or more suitable appointments fort theuser 102 at a predetermined future date. In addition the financialinstitution application 158 may transmit the identified appointments tothe user system 104 through the communication device 146 via the network101. The transmitting of identified appointments may be through anemail, a phone call, an electronic message, in writing or any othersuitable communication.

In some embodiments the financial institution application 158 receivesone or more voicemails from the user communication device 112 throughthe network 101. The financial institution application 158 may thenanalyze the content and tone of the one or more voicemails to determineif the user 102 plans to retain the one or more appointments. Thefinancial institution application 158 then communicates with theprocessing device 138 of the third party system to update the calendarsof the one or more specialists with the details of the one or moreappointments. In this regard the third part system 106 may comprisemultiple systems associated with individual specialists in operativecommunication with the financial institution system 108. In someembodiments the financial institution application 158 then communicateswith the processing device 114 of the user system 104 to transmit aconfirmation of the appointment and to update the calendar of the user102 with the details of the one or more appointments.

In some embodiments, in conjunction with the user system 104, thefinancial institution application 158 analyzes one or more upcomingappointments of the user 102. The financial institution application 158may then determine one or more documents required in preparation andafter the completion of each of the one or more appointments. Thefinancial institution application 158 may then access the data storage152 to retrieve one or more documents. In some embodiments generates theone or more required documents. In this regard the financial institutionapplication 158 may communicate with the user system 104 to receive oneor more documents uploaded by the user 102 or transmit one or moregenerated documents to the user system 104 to enable the user 102 tomodify or add data using the user system application 122. In someembodiments the financial institution application 158 creates anappointment ticket comprising appointment details and the one or moredocuments, for each of the one or more appointments. Further, thefinancial institution application 158 may upload one or more appointmenttickets on the user system 104 and the third party system 106 via thenetwork 101.

In some embodiments, the financial institution application 158 inconjunction with the user system 104, continuously and in real timemonitors the one or more appointments on the calendar of the user 102.The financial institution application 158 may then determine one or morefuture appointments at a first location. Further the financialinstitution application 158 may determine a change in the current ofpotential future locations of the user or one or more appointments atlocations close to another location. The financial institutionapplication 158 communicates with the third party system 106 todetermine a second location such that the second location is closer tothe current or potential location of the user 102 than the firstlocation. The system then determines the availability of one or morespecialists at the second location and transmits one or more newappointments to the user system 104. After receiving confirmation fromthe user through the user system 104, the financial institutionapplication 158 updates the calendars of the user 102 and the one ormore specialists at the second location with the details of the newappointments by communicating with the processing device 138 of thethird party system 106 and the processing device 114 of the user system104. In addition the financial institution application 158 may removeone or more appointments from the calendars of one or more specialistsat the first location. In some embodiments, the financial institutionapplication 158 then communicates with the processing device 114 of theuser system 104 to transmit a confirmation of the new appointments.

FIG. 2 provides a high level process flow illustrating a process 200 foraffecting appointment calendaring based on navigation context, inaccordance with some embodiments of the present invention. Asillustrated in block 202 the system requests authentication credentialsfrom the user and determines access permissions of the user. Forexample, in one embodiment, the user may input as a preference thathe/she would like username/password authentication and thus, the systemwould guide the user through a username/password setup and subsequentlypresent a username/password prompt before the user or any other personcan access the user application. In one embodiment, the user may provideas a preference and/or setting of the user application access to one ormore second users. In such an embodiment, the user and/or the secondusers may set up a separate authentication for accessing the contents ofthe user application with different access permissions indicatingvarying levels of abstraction. The system then enables the user toaccess a portion or all sections on the application based on thedetermined access permissions at block 204. The various sections of theapplication can comprise sections for one or more user accounts, creditcard section, loan section, products section, general informationsection, transfers section, services section and the like. The sectionscan comprise one or more subsections, for instance the loan section cancomprise auto loans, education loans, housing loans and the like. Insome embodiments enabling access comprises generating a customizedapplication by populating the various sections of the user applicationwith data associated with or relevant to the user or one or more secondusers linked to the user.

As represented by block 206, the system then monitors the user'snavigation across the application and determines one or more sectionsthat the user visited. The system then determines the duration for whichthe user visited each of the one or more sections the system may thencorrelate the current visit with previous visit dates, times anddurations. In some embodiments, the system identifies the sectionsviewed or potentially viewed by the user. The viewed sections may beidentified based on identification of factors, including, but notlimited to the user selecting or clicking on a section, the userscrolling over the section, a determined duration the user for whichviewed the section or the like. In this regard the financial institutionsystem identifies multiple dates and times and associated duration inwhich the user accessed a particular section or page of the applicationover a predetermined time period to generate navigation maps and toidentify patterns. The system then enables the user to perform one ormore searches to assist the user in locating relevant sections at block208. The system accepts one or more keywords, phrases, voice commands orthe like as inputs to perform the searches.

In addition, as represented by block 210, the system determines a userprofile comprising at least the user's demographic information,financial information, transaction history and navigation history. Thedemographic information comprises the user's age, geographic location,identification numbers and the like. The financial information comprisesaccount details, income, credit history, retirement plans, savingsaccounts, tax statements, payments, investments and the like. Thenavigation history includes the dates, times and durations of visits toone or more sections logged in memory by the system, determinednavigation maps and patterns, search criteria and search terms used andthe like. Subsequently, the system analyzes the navigation history ofthe user profile to determine user intent at block 212. In someembodiments user intent comprises the tasks the user wishes toaccomplish by using the user application or one or more products orinformation the user is looking for. The user intent may be one or moreconcerns or problems faced by the user, for which the user is seeks asolution through the user application. For example, if the user visitsthe loan section, the system analyzes the navigation history to andrecognizes that the user is looking for specific information regardingauto loans. As another example if the user visits the card replacementsection the system may determine that the user has misplaced his/hercredit card. Also, the system may analyze the user profile to determineother details, for instance if the user has a credit or debit card. Theprocess flow 200 is preferably performed by the system automatically,and in real time.

FIG. 3 provides a high level process flow 220 for determining one ormore solutions, in accordance with some embodiments of the presentinvention. At block 222, the system retrieves all or a portion of thedetermined data associated with the user comprising the user profile,which may include the current potential concerns for the user and/or theuser intent. As illustrated at block 224 the system then determinedpossible solutions to address the one or more potential concerns for theuser and/or the user intent. For example the system may analyze the userintent and the identified patterns to determine that the user utilizesthe user application to transfer a fixed amount every month to pay oneor more bills. As another example, the system may determine that theuser in the process of filling out a form suddenly stopped the process,either due to a problem in the application, the server or any otherissue. The system may then arrange for a technical support specialist tocall/assist the user with minimum response time. Another example tofurther illustrate the invention, the system may determine that the userhas only partially completed a savings account form. The system maydetermine that the user needs assistance or more information regardingthe form. The system may then determine that a savings accountspecialist will be able to assist the user.

Next, as illustrated by block 226, the system may identify one or morespecialists, advisors or associates to help the user with the user'spotential concerns or user intents. In some embodiments the systemretrieves employee data from the financial institution database or thedatabases of other entities. The system then evaluates the retrieveddata to determine a primary list of suitable specialists. For instanceif the user has misplaced a credit card, the system may determine aprimary list of credit card specialists and another secondary list ofmisappropriation prevention specialists. For another example, if theuser requires a new car, the system determines a primary list of autoloan specialists and a secondary list of insurance specialists. In someembodiments the system utilizes predetermined broad criteria to limitthe number of specialists on the primary list. The broad criteria cancomprise location of the specialist, working hours, availability onweekends, availability over the phone and the like. In some embodimentsthe system receives the broad criteria from the user. In the instanceswhere the system determines one or more secondary lists along with theprimary list, the broad criteria can comprise conditions that aspecialist on the secondary list must be located close to a specialiston the primary list or that the specialist on the secondary list must beavailable for appointments over the phone. The primary and secondarylists can comprise multiple sections with information associated witheach of the one or more specialists comprising name, office location,practice area and the like.

As illustrated by block 228, the system then determines the availabilityof the one or more specialists on the primary and secondary lists. Inthis regard the system may access the calendars of the one or morespecialists to determine available appointments. The system determinesthe available appointments based on individual time frames in the futurefor each of the one or more solutions. For instance, if the solutionrelates to diversifying investment options and that it does notadversely affect the user currently, the system may seek appointmentswithin the next one to three weeks. As another example, if the systemdetermines that the solution relates to replacing a lost credit card,the system may seek appointments in the immediate future, for examplewithin the next two days. Further, in some embodiments, the systemenables the user to customize the time frames. The system may alsodetermine availability on the basis of required duration of anappointment. The system then modifies and/or narrows the primary andsecondary lists based on the determined availability. In someembodiments, the system transmits the identified products and solutionsto the user to seek confirmation before proceeding with the subsequentsteps.

As illustrated by block 230, the system determines current and potentialfuture locations of the user and compares these with the locations ofthe one or more specialists. The system may retrieve the home and officeaddresses of the user and seek specialists with office locations withina predetermined radius. In another embodiment of the invention, thesystem accesses the calendar on the user device to determine potentialfuture locations of the user. For instance if the system determines thatthe user will travel elsewhere on a particular day and a particulartime, the system then looks for specialists at the new location withappointments available at the appropriate time.

Next, as illustrated in block 232, the system determines one or moresuitable appointments at a predetermined future date based on thedetermined availability and location. This determination is preferablybased on the preceding steps in the process 220. In this regard thesystem may determine a series of suitable appointments. For example, ifthe user requires savings plans for retirement, the system may determinea first appointment with a specialist to discuss the user's goals,perceived requirements; identified solutions and each of the one or moreidentified financial products. The system may then set up second andthird appointments to complete the implementation of one or moreshortlisted products from the first appointment. In some embodiments,the system determines suitable appointments with multiple specialists onthe primary and secondary lists. For example, if the user is applyingfor a loan, the system may set up a first appointment with a loanspecialist to discuss loan parameters and rates, a second appointment afew days later to receive information for loan application, a thirdappointment with an insurance specialist and so on until the user'srequirements have been attended to. In some embodiments the systemdetermines one or more specialists for a single appointment, based onthe determination that the user would require a meeting with multiplespecialists.

Furthermore, on determining one or more suitable appointments, in someembodiments, the system may utilize optimization routines to identifythe best one or more appointments for the user. For instance if thesystem had determined ten sets of appointments that meet the broadcriteria, the system would then choose and/or modify one or two setsbased on a refined criteria, wherein each set comprises one or morespecialists, associated appointment times and locations. The refinedcriteria can comprise shortest distance for the user to travel, shortesttime frame for a series of appointments, specialists who have assistedthe user before, lowest cumulative cost and the like.

Finally, as illustrated in block 234, the system transmits thedetermined suitable one or more appointments to the user. In someembodiments the transmission is in the form of automatically pushingcalendar invites to the user device. In some embodiments thetransmission is a phone call, a message, an update or an alert on theuser application or widget, an email or the like. In some embodimentsthe transmission includes details associated with the appointmentincluding but not limited to the perceived requirements, determinedsolutions, one or more identified financial products, appointmentlocation, appointment times and details associated with the one or morespecialists. In some embodiments the invite or message containingactivation links such that the user can indicate acceptance of theinvitation for appointment. In some embodiments the system enables theuser to decline one or more appointments and propose new times and/orlocations. In this regard the system may repeat the previous steps todetermine suitable appointments at the proposed times and/or locations.In some embodiments the system transmits more than one set of suitableappointments and enables the user to choose a preferable set. In someembodiments the transmission is initiating an automatic phone call tothe user from a specialist instantaneously. For instance the system maytransmit the identified products and the user details to a specialistand automatically initiate a call.

Furthermore, the system may push a transmitted detail of the one or moreappointments to a user mobile device, such as via a calendar invite orthe like. Furthermore, the system may access one or more systemsassociated with an office space, kiosk, or the like to hold the meetingand schedule a room or meeting place with that location.

FIG. 4 provides a high level process flow illustrating a process forfacilitating appointment calendaring based on perceived requirements300, in accordance with some embodiments of the present invention. Asillustrated by block 302, the system retrieves the user profilecomprising the user's demographic information, financial information,transaction history, navigation history and the like. In someembodiments the user profile also comprises social media information ofa user. In this regard the system monitors various social media accountsof the user to determine user requirements and updates the user profileautomatically and in real time.

As illustrated by block 304, embodiments of the invention compriseevaluating the assets and liabilities of the user wherein the assets andliabilities are a part of the financial information in the user profile,wherein the assets include illiquid assets and liquid assets. The user'sassets may include but are not limited to checking accounts, savingsaccounts, investment accounts (e.g., with regular disbursements andpenalties for principal withdrawals, or self-directed accounts that moreliquid without penalties), annuity accounts (e.g., social security,claim awards, reverse mortgages, or the like), insurances benefitaccounts (e.g., one time or reoccurring), property owned by the user(e.g., investment property, rental property, or the like), or other likeassets that may provide regular or semi-regular recurring payments,assets that are or are similar to cash accounts, or assets that need tobe sold in order to realize cash values of the assets. In someembodiments the assets may be illiquid (e.g., have penalties or may taketime to convert into cash) or may be liquid (e.g., can be converted tocash in a couple of days without penalty). In one aspect, the processflow 300 includes determining a user's asset values (e.g., balances ofthe account, current or estimated future fair market values of theproperty, or the like) and liability values (e.g., amount owed, or thelike). In some embodiments all of the assets and liabilities aredetermined in order to get an idea of what the values of the assets andliabilities are in order to determine how long the inflows and outflowsfor the user may last. In some embodiments the system seeks additionalinformation from the user before completing the evaluation.

Furthermore, at block 304, embodiments of the invention further includedetermining fund in-flows and fund out-flows for the assets andliabilities over a past time period by analyzing transactions for theassets and the liabilities. In one aspect, the fund in-flows includefunds received from or deposited into the user's assets (e.g., user'saccounts, or the like), such as paychecks, 401K disbursements, pensiondisbursements, or the like. Block 304 further illustrates that pastoutflows of funds from the user's assets (e.g., user's accounts, or thelike) are determined, such as payments for housing, bills, health careinsurance and other costs, heat, water, food, or like. In someembodiments the process flow 300 is carried out by analyzing all of theuser's financial information. In some embodiments only data associatedwith a predetermined time period is evaluated. In some embodiments theprocess flow 300 is performed by the system automatically, and in realtime by maintaining a centralized repository of all user information. Inthis instance the system may seek input from the user regardingadditional data required for analysis, time period for evaluation orfocus areas for evaluation. Therefore the system enables the user tocustomize the user profile and the process flow 300.

As illustrated by block 306, embodiments of the invention furtherinclude determining estimated rates of return for the assets thatprovide returns. In some embodiments, the assets may include estimatedrates of returns such that not only are the disbursements used indetermining the retirement score, but the principal and growth of theprincipal over time may be used in determining the retirement score. Atblock 308 the system determines the lifestyle of the user. In someembodiments, the system may be configured to establish predefined userprofiles including, but not limited to travel profiles, spending habits,lifestyle, or the like. For example, for the thrifty saver lifestyle theuser may indicate that he/she may downsize the user's home inretirement, sell a vacation home, reduce travel expenses, or the like.The profiles may be pre-programmed by the financial institution and/orprogrammable by the user to illustrate how the user currently lives orplans on living. Other lifestyles illustrate if the user will spendless, the same, or more in the future.

At block 310, embodiments of the invention further include determiningfinancial history of the user, wherein the financial history comprisesat least one of a spending history, investment history, and savingshistory. In one aspect, determining financial history of the user mayinclude determining a spending pattern, investment pattern, and savingspattern of the user over a predetermined past period of time. In oneaspect, determining the financial history of the user is based on atleast the user profile. In this regard, the system may be configured togenerate one or more predetermined questions to enable the user toprovide additional information regarding the user's financial history tothe system. In one aspect, the personality, values, opinions, attitudes,interests, lifestyles, or the like of the user may be determined by thesystem or received as answers to predetermined questions from the user.

As illustrated by block 312 the system then determines one or morecurrent requirements and/or one or more potential concerns for the userbased on the analysis of the user profile. As described above, thesystem analyzes the financial information, demographic information,transaction history, and navigation history of the user. The system thendetermines one or more current requirements of the user. For instancethe system may determine that the user would benefit from refinancing anexisting loan. In some embodiments the system also determines potentialfuture concerns. In some embodiments the system transmits the identifiedrequirements of the user and seeks confirmation form the user beforeproceeding to the next steps. In some embodiments the system enables theuser to modify identified requirements and/or specify new financialgoals and new requirements.

FIG. 5 provides a high level process flow 400 for determining one ormore solutions, in accordance with some embodiments of the presentinvention. At block 402, the system retrieves all or a portion of thedetermined data associated with the user comprising the user profile,the one or more current requirements, and the one or more potentialconcerns for the user. As illustrated at block 404 the system thendetermined possible solutions to address the one or more currentrequirements, and the one or more potential concerns for the user. Forexample the system may analyze the user and the identified patterns todetermine that the user utilizes the user application to transfer afixed amount every month to pay one or more bills. The system may thendetermine setting up automatic transfers as a solution for this userintent. As another example, based on analysis of the user profile thesystem may determine that the user has relocated recently and mayrequire renter's insurance. The system may determine that the user wouldbenefit from linking accounts of the user and the user's spouse. Asanother example the system may determine that the user requires asavings plan for retirement at a future date. The system may thencalculate the amount required to be saved on a monthly basis to meetgoals and determine that a combination of a savings account and acertificate of deposit as a solution. As another example, the user maypost that he/she has bought a new car on social media. The system maythen determine that the user would require auto insurance.

Subsequently, at block 406, the system then identifies one or morefinancial products available to implement the solutions. For example thesystem may access databases of various entities to determine financialproducts available and further determine the user's eligibility for thefinancial products. The financial products can be offered by thefinancial institution, other banks, insurance companies and the like.The financial products may be products that the user qualifies based onanalysis of the user profile. As, illustrated by block 408, the systemthen identifies one or more specialists, advisors or associates to helpthe user implement the identified solutions and/or the one or morefinancial products. In some embodiments the system retrieves employeedata from the financial institution database or the databases of otherentities. The system then evaluates the retrieved data to determine aprimary list of suitable specialists. For instance if the user hasmisplaced a credit card, the system may determine a primary list ofcredit card specialists and another secondary list of fraud and theftprevention specialists. For instance if the user requires a new car, thesystem determines a primary list of auto loan specialists and asecondary list of insurance specialists. In some embodiments the systemutilizes predetermined broad criteria to limit the number of specialistson the primary list. The broad criteria can comprise location of thespecialist, working hours, availability on weekends, availability overthe phone and the like. In some embodiments the system receives thebroad criteria from the user. In the instances where the systemdetermines one or more secondary lists along with the primary list, thebroad criteria can comprise conditions that a specialist on thesecondary list must be located close to a specialist on the primary listor that the specialist on the secondary list must be available forappointments over the phone. The primary and secondary lists cancomprise multiple sections with information associated with each of theone or more specialists comprising name, office location, practice areaand the like. In some embodiments the system matches each of thespecialists on the secondary list to at least one specialist on theprimary list based on location, specialization and the like. In thisregard a specialist on the primary list and the primary list and theassociated specialists on the secondary list are treated as an entity,for example if the system eliminates one or more specialists from theprimary list based on predetermined criteria, the associated specialistson the secondary list are automatically removed.

As illustrated by block 410, the system then determines the availabilityof the one or more specialists on the primary and secondary lists. Inthis regard the system may access and analyze the calendars of the oneor more specialists to determine prior appointments, available times andthe like. In this regard, the system communicates with multiple devicesto determine availability. Furthermore, the system communicates with oneor more devices of the user which comprise the user's calendars, forexample a mobile device, home computer, work computer and the like todetermine the availability of the user. The calendars referred to abovecan comprise a calendar application on the user device, the userapplication, social media accounts, various other applications or anyother suitable means to determine prior appointments and availability.The system determines the available appointments based on individualtime frames in the future for each of the one or more solutions. Forinstance, if the solution relates to diversifying investment options andthat it does not adversely affect the user currently, the system mayseek appointments within the next one to three weeks. As anotherexample, if the system determines that the solution relates to replacinga lost credit card, the system may seek appointments in the immediatefuture, for example within the next day. Further, in some embodimentsthe system enables the user to customize the time frames. The system mayalso determine availability on the basis of required duration of anappointment for example, an hour long appointment, two hours and thelike. The system then modifies and/or narrows the primary and secondarylists based on the determined availability. In some embodiments thesystem transmits the identified products and solutions to the user toseek confirmation before proceeding with the subsequent steps.

As illustrated by block 412, the system determines current and potentialfuture locations of the user and compares these with the locations ofthe one or more specialists. The system may retrieve the home and officeaddresses of the user and seek specialists with office locations withina predetermined radius. In another embodiment of the invention, thesystem accesses the calendar on the user device to determine potentialfuture locations of the user. For instance if the system determines thatthe user will travel elsewhere on a particular day and a particulartime, the system then looks for specialists at the new location withappointments available at the appropriate time. At block 414, the systemdetermines one or more suitable appointments at a predetermined futuredate based on the determined availability and location. Thisdetermination is preferably based on the preceding steps in the processflow 400. In this regard the system may determine a series of suitableappointments. For example, if the user requires savings plans forretirement, the system may determine a first appointment with aspecialist to discuss the user's goals, perceived requirements;identified solutions and each of the one or more identified financialproducts. The system may then set up second and third appointments tocomplete the implementation of one or more shortlisted products from thefirst appointment. In some embodiments the system determines suitableappointments with multiple specialists on the primary and secondarylists. For example, if the user is applying for a loan, the system mayset up a first appointment with a loan specialist to discuss loanparameters and rates, a second appointment a few days later to receiveinformation for loan application, a third appointment with an insurancespecialist and so on until the user's requirements have been attendedto. In some embodiments the system determines one or more specialistsfor a single appointment, based on the determination that the user wouldrequire a meeting with multiple specialists.

Furthermore, on determining one or more suitable appointments, in someembodiments, the system may utilize optimization routines to identifythe best one or more appointments for the user. For instance if thesystem had determined ten sets of appointments that meet the broadcriteria, the system would then choose and/or modify one or two setsbased on a refined criteria, wherein each set comprises one or morespecialists, associated appointment times and locations. The refinedcriteria can comprise shortest distance for the user to travel, shortesttime frame for a series of appointments, specialists who have assistedthe user before, lowest cumulative cost and the like. At block 416 thesystem transmits the determined suitable one or more appointments to theuser. In some embodiments the transmission is in the form ofautomatically pushing calendar invites to the user device. In someembodiments the transmission is a phone call, a message, an update or analert on the user application or widget, an email or the like. In someembodiments the transmission includes details associated with theappointment including but not limited to the perceived requirements,determined solutions, one or more identified financial products,appointment location, appointment times and details associated with theone or more specialists. In some embodiments the invite or messagecontaining activation links such that the user can indicate acceptanceof the invitation for appointment. In some embodiments the systemenables the user to decline one or more appointments and propose newtimes and/or locations. In this regard the system may repeat theprevious steps to determine suitable appointments at the proposed timesand/or locations. In some embodiments the system transmits more than oneset of suitable appointments and enables the user to choose a preferableset. In some embodiments the transmission is initiating an automaticphone call to the user from a specialist instantaneously. For instancethe system may transmit the identified products and the user details toa specialist and automatically initiate a call.

FIG. 6 provides a high level process flow 500 for facilitatingappointment calendaring, in accordance with some embodiments of thepresent invention. At block 502, the system receives confirmation fromthe user associated with one or more transmitted appointment. Theconfirmation can be the user activating a link on the transmitted inviteor message, a response in the form of a message or email from the user.In some embodiments the system enables the user to indicate whether theuser is accepting the appointment tentatively or declining theappointment or accepting it with a degree of certainty. In someembodiments, as indicated by block 504 the confirmation is in the formof an audio message, wherein the system enables the user to record avoice mail or a message in response to the transmitted appointments. Insome embodiments the user application user interface comprises anintelligent personal assistant and knowledge navigator such that thecommunication between the user and the application is audio-visual. Inthis instance the system may receive multiple voice commands for theuser and the system may determine one or more of them to be aconfirmation. As illustrated by block 506, the system then analyzes theone or more voice messages or audio confirmations to determine if theuser plans to retail the one or more appointments. In this regard thesystem evaluates the tone and content of the message to make thedetermination. The system may compare the received message to previouslyreceived messages from the user, a database with standardized voicesamples and the like.

As illustrated by block 508, the system initiates the setup of the oneor more appointments for which the system received confirmations fromthe user. Initiating the setup further comprises determining availableoffice spaces for the appointments. For instance the system reviews aparticular appointment at a first location and evaluates the offices,kiosks, rooms or the like for availability. The system thenautomatically reserves the available spaces for the appropriateappointment time slots. The system may determine that an appointmentrequires the user to have a discussion with multiple specialists and thesystem may then reserve a room that can accommodate the required numberof people. As another example the system may determine that theappointment requires the user to perform a setup online, make a paymentor that the appointment requires the user to sign some documents.Accordingly the system may reserve a room that has the requiredtechnical support such as computers, monitors, printers, card readersand the like.

Subsequently, as illustrated by block 510, the system updates thecalendars of the one or more specialists with the details of the one ormore appointments. The system updates the calendars automatically withthe user information, perceived requirements, identified solutions andproducts, reserved rooms and the like. Preferably the system alsotransmits messages with links or calendar updates with links to enablethe specialist to access at least a portion of the user profile eitherin preparation or during the appointment. The system then automaticallytransmits a confirmation of the scheduled one or more appointments tothe user as illustrated by block 512. The confirmation can includedetails of the appointment, location and reserved room details, one ormore forms to be filled out in preparation for the appointment, links tothe one or more forms, information or brochures associated with the oneor more identified financial products and the like. At block 514, thesystem accesses the user device and updates the user calendar with theappointment details at the appropriate time and day. In some embodimentsthe system updates the calendars on multiple devices. In someembodiments the system automatically creates one or more reminders atappropriate days and times preceding the appointment. In someembodiments the system enables the user to customize the one or moreappointments, for instance provide additional/different goals, topics,issues, solutions and the like to be discussed with the specialist. Ifthe system determines that these new proposed goals are different fromthe area of expertise of the associated specialist, the system may seekadditional appointments with specialists who are more suited to the newproposed goals.

FIG. 7 provides a high level process flow 600 for illustrating a processfor pre and post appointment enrichment, in accordance with someembodiments of the present invention. In some embodiments process flow600 is performed by system after the completion of the previousprocesses. In some embodiments the system carries out the variousprocess flows and steps in parallel to save computing time. Asillustrated by block 602, the system retrieves the one or moreappointments on the calendar of the user. In this regard the system maycontinuously and in real time monitor the appointments on the user'scalendar. At block 604, the system analyzes the one or more upcomingappointments. In this regard the system may prioritize the one or moreretrieved appointments based on various factors like relevance tofinancial planning, how soon the appointment is scheduled to occur,importance to the user, time required for pre-appointment enrichment andthe like. At block 606, the system then analyzes the retrievedappointments to ascertain the appointment details, requirements of theuser and the like. In this regard the system may access the user profileand financial data of the user and create an appointment ticket for eachof the one or more appointments. As illustrated by block 608, the systemdetermines one or more documents required in preparation for each of theone or more appointments. The documents can comprise identity proofs,address proofs, tax documents, insurance documents, various forms to becompleted by the user, and/or the financial institution and the like.

As illustrated by block 608, the system determines one or more documentsrequired after the completion of each of the one or more documents. Insome embodiments these documents are similar to the pre-appointmentdocuments. In some embodiments the post appointment documents includedocuments that require data generated during the appointment, documentsfor the next appointment, follow-up forms, survey forms and the like.Next at block 610, the system generates the one or more documents, inelectronic, physical, tangible or any other suitable form. In someembodiments the system examines the user profile to determine if any ofthe documents already exist. In that case the system automaticallyretrieves the documents and uploads them onto the appropriateappointment tickets. In some embodiments the system generates the one ormore required documents for pre- and/or post-appointment enrichment, forexample the system may create one or more forms for the user tocomplete. In this regard the system may populate the forms withavailable information and seek additional information from the user. Insome embodiments the system enables the user to validate the one or morepre- and post-appointment documents. At block 612, the system sendsrequests to the user and enables the user to upload one or moredocuments. The system enables the user to upload the documents byutilizing the user application, by email, by fax or any other suitablemeans. In some embodiments the system enables the user to utilize acamera on a phone or another device to capture the document. At block614, the system populates the appointment ticket with documents from thepreceding steps. In some embodiments the system also enriches theappointment ticket with confirmations, order codes, work order codes,authorization credentials and that like that could be provided to thespecialist as the specialist aids the user. In some embodiments theappointment tickets are configured as search and retrievable data. Insome embodiments the system transmits the enriched appointment ticketsto the one or more specialists and uploads the appointment tickets ontheir calendars.

FIG. 8 provides a high level process flow 700 for illustrating a processfor affecting dynamic appointment calendaring based on time/locationdependency. Preferably, the system carries out the process flow 700automatically and in real time. As illustrated by block 702, the systemretrieves one or more appointments on the calendar of the user.Preferably, the system continuously monitors the calendars of the useron one or more devices. In some embodiments the system determines achange in existing appointments or cancellation of an appointment orengagement such that the user is newly available at a certain time,reflecting the time dependency. The system then evaluates one or moreupcoming existing appointments with the financial institution andascertains the appointment details. The system determines if thespecialist associated with the existing appointment is available at thetime slot of the cancelled engagement and proposes a new appointment. Ifthe specialist associated with the existing appointment is notavailable, the system retrieves the primary and secondary lists todetermine one or more new specialists at the same or differentlocations. The system then analyzes their availability and proposes newappointments. In this regard the system determines whether the cancelledengagement occurs before the existing appointment and only then proposesa new appointment. In some embodiments the system may determine theavailability of other specialists from the primary and secondary lists.In this regard the system may conduct one or more steps from thepreviously described process flows. Further, the system may employsuitable criteria to determine if a new appointment is feasible. Forinstance the system would determine that a new appointment with asecondary specialist is not feasible if the appointment with the primaryspecialist has not occurred. For instance if the determined newspecialist has the same specialization required for the existingappointment the system determined that an appointment with the newspecialist is feasible.

At block 704, the system monitors the calendar to determine one or morefuture appointments at a first location. For example the system maydetermine that the user has an appointment with a loan specialist atlocation a first location. As illustrated at block 706, the systemcontinuously analyses the user profile to determine a change in currentor potential future locations of the user, reflecting the locationdependency. In some embodiments, the steps concerning locationdependency are substantially similar to that of the time dependencydescribed above. Continuing the previous example, the system may analyzethe user profile and/or the user calendar to determine a new engagementwhich requires to user to travel to a location B, at a particular dateand time, wherein location B is the new potential future location. Insome embodiments the system determines the current location of the user.For example the system may monitor GPS, AR technology, WiFi connectivityof the user device or analyze, in real time, the social media updates ofthe user to recognize that the user at a location B, wherein location Bis the user's new current location. At block 708 the system determines asecond location such that the second location is closer to the newcurrent or potential future locations of the user than the firstlocation. The system retrieves the locations or the branches of thefinancial institution from a database and compares the locations to thenew current or potential locations of the user. For example the systemmay calculate the distance between each of the retrieved secondlocations and the location B to determine a second location of thefinancial institution closest to location B. In some embodiments thesystem determines multiple second locations close to location B. In thisregard the system may evaluate each of the determined locations withrespect to both previously determined locations of the user and newlocations of the user, based on various optimization methods. Preferablythe system employs optimization methods comprising travelling salesmanproblem, linear programming, combinational optimization, minimumspanning tree or any other suitable method to determine the optimalsecond location. In some embodiments the system may determine the user'spresence near a financial institution instantaneously by determiningthat the user is within the WiFi range of financial institutionlocation. In this instance the new location B and the second locationare determined to be concurrent.

At block 710, the system determines the availability of one or morespecialists at the second location with the required specialization. Ondetermining an optimal second location, the system may determine theavailability of specialists at the second location during an estimatedduration that the user will be available at the second location. Forinstance the system may determine that the user′ engagement at locationB is between 1:00 PM and 2:00 PM and analyze the user profile todetermine that the user is most likely to travel by car. Further thesystem may estimate that the travel time between location B and theoptimal second location, based on determining the probable mode oftransport, parking distance and traffic predictions is 15 minutes. Thenthe system may seek appointments between 11:30 AM and 12:40 PM orbetween 2:20 PM to 3:30 PM. In this regard the system may access thecalendars of the appropriate specialists at the second location.Further, the system determines whether the available specialists at thesecond location have the required specialization to meet userrequirement. For example, if the user requires a credit card specialistand the system determines that the credit card specialists at theoptimal second location are not available at the appropriate time, thesystem may then analyze other retrieved locations of the financialinstitution to identify an available credit card specialist at anothersecond location.

As illustrated by block 712, the system transmits the one or more newappointments to the user. On determining that one or more suitablespecialists are available, the system generates one or more newappointments and transmits an alert, a message or a calendar invite to auser device. The message can comprise details of the previousappointment, the new proposed appointment, information associated withthe appointment, specialists and the like. Preferably the systemdetermines the optimal mode of transport comprising walking, driving,public transport and the like. For example the system may generate alsogenerate a map indicating the travel from location B to the secondlocation and include it in the message. The map could also includeparking directions, location of the scheduled office spaces within thesecond location and the like. The message could also include one or moreaction buttons for the user to indicate that the user accepted orconfirmed the new appointment, that the user declined the newappointment. As illustrated by block 714, the system receives aconfirmation from the user. On receiving the confirmation from the userthe system, at block 716, the system updates the calendars of the one ormore specialists with the details of the one or more new appointments.The details of the appointment could be transferred by the system fromthe previous appointment comprising user details, appointment ticketsand the like. Further the system may modify the calendars of thespecialists associated with the previous appointment and the usercalendar to reflect the cancellation. At block 718 the system transmitsconfirmation of the new appointments and the associated appointmentdetails to the user. In addition, the system updates the calendar of theuser with the details of the one or more appointments at block 720.

FIG. 9 provides an exemplary appointment calendaring user interface 800in accordance with some embodiments of the invention. The interface 800is illustrated as being displayed via the user's mobile device. However,the interface can be displayed on any device of the user system 104. Insome embodiments the interface is displayed through the userapplication. In some embodiments the interface 800 is displayed throughother applications on the user system 104. The interface 800 comprises afirst panel 802. The first panel 802 represents the completed orupcoming appointments of the user arranged chronologically. The firstpanel 802 can comprise day, week, month or year view. In someembodiments the system determines the importance of the appointments andhighlights the varying levels of importance with different visualfeatures like color, shape and the like. In some embodiments theappointments with specialists from the primary list are highlighteddifferently from the appointments with specialists from the secondarylist. The first panel also comprises a pointer 804 to enable the user tochoose, modify, add or switch appointments. In some embodiments the 804comprises a series of touch interactions or gestures by the user toaccomplish a certain task. In some embodiments the pointer 804 respondsto voice commands of the user to accomplish certain tasks.

The interface 800 comprises a second panel 806 displaying details of oneor more appointments. The appointments can be arranged chronologicallyor in any other suitable order. The second panel 806 comprisesappointment details including the appointment date, time, title of theappointment 808, location details 810 and the like. In some embodimentsthe title of the appointment 808 is a link. When the user chooses thislink 808, the interface may initiate display of a third panel or window(not shown) where the user can view the details of the one or moreupcoming appointments comprising the appointment ticket, pre- andpost-appointment enriched documents, user's personal notes regarding theappointment and at least a part of the user profile. In some embodimentsthe system populates the details of determined appointments and one ormore specialists from block 234 and 416 tentatively, and enables theuser to view them and transmit confirmation through 808. On receivingconfirmation, the system updates the first panel and the second panelwith the final appointment details from blocks 514, 614 and 720. In someembodiments the link with the title of the appointment 808 enables theuser to upload or modify one or more pre-appointment documents. In thisregard the system may activate the camera on the user device to enablethe user to capture the document. In some embodiments the link with thetitle of the appointment 808 is associated with previously completedappointments. In this regard the link enables the user to providefeedback, setup additional appointments, review the completedappointment, modify or upload one or more post appointment documents andthe like.

In some embodiments the location details 810 comprises a link. In thisregard, on activating the link the user may view one more mapsassociated with the location on a fourth panel or window (not shown). Insome embodiments the system determines maps with routes from the currentor potential future locations of the user to the first or secondlocations of the specialists. In some embodiments the system enables theuser to modify the determined routes or the locations. In someembodiments the link with the location details 810 comprises maps anddetails of the routes to the reserved office spaces at the first orsecond location. In some embodiments the system automatically sets upone or more reminders for the upcoming appointments. In this regard thesystem may transmit the reminders through the interface 800, by phone,by email or any other suitable means. In some embodiments the systemenables the user to modify the mode and frequency of the reminders.

As will be appreciated by one of ordinary skill in the art, the presentinvention may be embodied as an apparatus (including, for example, asystem, a machine, a device, a computer program product, and/or thelike), as a method (including, for example, a business process, acomputer-implemented process, and/or the like), or as any combination ofthe foregoing. Accordingly, embodiments of the present invention maytake the form of an entirely software embodiment (including firmware,resident software, micro-code, and the like), an entirely hardwareembodiment, or an embodiment combining software and hardware aspectsthat may generally be referred to herein as a “system.” Furthermore,embodiments of the present invention may take the form of a computerprogram product that includes a computer-readable storage medium havingcomputer-executable program code portions stored therein. As usedherein, a processor may be “configured to” perform a certain function ina variety of ways, including, for example, by having one or moregeneral-purpose circuits perform the functions by executing one or morecomputer-executable program code portions embodied in acomputer-readable medium, and/or having one or more application-specificcircuits perform the function.

It will be understood that any suitable computer-readable medium may beutilized. The computer-readable medium may include, but is not limitedto, a non-transitory computer-readable medium, such as a tangibleelectronic, magnetic, optical, infrared, electromagnetic, and/orsemiconductor system, apparatus, and/or device. For example, in someembodiments, the non-transitory computer-readable medium includes atangible medium such as a portable computer diskette, a hard disk, arandom access memory (RAM), a read-only memory (ROM), an erasableprogrammable read-only memory (EPROM or Flash memory), a compact discread-only memory (CD-ROM), and/or some other tangible optical and/ormagnetic storage device. In other embodiments of the present invention,however, the computer-readable medium may be transitory, such as apropagation signal including computer-executable program code portionsembodied therein.

It will also be understood that one or more computer-executable programcode portions for carrying out operations of the present invention mayinclude object-oriented, scripted, and/or unscripted programminglanguages, such as, for example, Java, Perl, Smalltalk, C++, SAS, SQL,Python, Objective C, and/or the like. In some embodiments, the one ormore computer-executable program code portions for carrying outoperations of embodiments of the present invention are written inconventional procedural programming languages, such as the “C”programming languages and/or similar programming languages. The computerprogram code may alternatively or additionally be written in one or moremulti-paradigm programming languages, such as, for example, F#.

It will further be understood that some embodiments of the presentinvention are described herein with reference to flowchart illustrationsand/or block diagrams of systems, methods, and/or computer programproducts. It will be understood that each block included in theflowchart illustrations and/or block diagrams, and combinations ofblocks included in the flowchart illustrations and/or block diagrams,may be implemented by one or more computer-executable program codeportions. These one or more computer-executable program code portionsmay be provided to a processor of a general purpose computer, specialpurpose computer, and/or some other programmable data processingapparatus in order to produce a particular machine, such that the one ormore computer-executable program code portions, which execute via theprocessor of the computer and/or other programmable data processingapparatus, create mechanisms for implementing the steps and/or functionsrepresented by the flowchart(s) and/or block diagram block(s).

It will also be understood that the one or more computer-executableprogram code portions may be stored in a transitory or non-transitorycomputer-readable medium (e.g., a memory, and the like) that can directa computer and/or other programmable data processing apparatus tofunction in a particular manner, such that the computer-executableprogram code portions stored in the computer-readable medium produce anarticle of manufacture, including instruction mechanisms which implementthe steps and/or functions specified in the flowchart(s) and/or blockdiagram block(s).

The one or more computer-executable program code portions may also beloaded onto a computer and/or other programmable data processingapparatus to cause a series of operational steps to be performed on thecomputer and/or other programmable apparatus. In some embodiments, thisproduces a computer-implemented process such that the one or morecomputer-executable program code portions which execute on the computerand/or other programmable apparatus provide operational steps toimplement the steps specified in the flowchart(s) and/or the functionsspecified in the block diagram block(s). Alternatively,computer-implemented steps may be combined with operator and/orhuman-implemented steps in order to carry out an embodiment of thepresent invention.

While certain exemplary embodiments have been described and shown in theaccompanying drawings, it is to be understood that such embodiments aremerely illustrative of, and not restrictive on, the broad invention, andthat this invention not be limited to the specific constructions andarrangements shown and described, since various other changes,combinations, omissions, modifications and substitutions, in addition tothose set forth in the above paragraphs, are possible. Those skilled inthe art will appreciate that various adaptations and modifications ofthe just described embodiments can be configured without departing fromthe scope and spirit of the invention. Therefore, it is to be understoodthat, within the scope of the appended claims, the invention may bepracticed other than as specifically described herein.

What is claimed is:
 1. A system for dynamic appointment calendaringbased on dependencies, the system comprising: a memory device withcomputer-readable program code stored thereon; a communication device; aprocessing device operatively coupled to the memory device and thecommunication device, wherein the processing device is configured toexecute the computer-readable program code to: retrieve one or moreexisting appointments on a calendaring application associated with anelectronic device of a user; monitor the calendaring application todetermine one or more upcoming existing appointments of the user at afirst location of a financial institution, associated with apredetermined specialization; analyze an user profile continuously todetermine a new user location, wherein the new user location comprises achange in current or potential future locations of the user; determine asecond location of the financial institution, wherein determining asecond location of the financial institution further comprises:determining one or more locations of the financial institution, whereindetermining further comprises retrieving the one or more locations froman entity database of locations; determining a first distance betweenthe new user location and the first location of the financialinstitution; determining a second distance between the new user locationand each of the one or more locations of the financial institution; anddetermining a second location such that the first distance is greaterthan the second distance; determine the availability of one or morespecialists associated with the one or more existing appointments, basedon determining that the first location and the second location are thesame; schedule, based on determining that the one or more specialistsassociated with the one or more existing appointments and the user areavailable, one or more new appointments and send the scheduled one ormore new appointments to the calendaring application of the one or morespecialists and the user; identify one or more specialists within anentity database of specialists that match the second location and thepredetermined specialization, based on determining that the one or morespecialists associated with the one or more existing appointments arenot available; determine availability of the one or more identifiedspecialists and the user for appointment calendaring; and schedule,based on the availability of the one or more identified specialists andthe user, one or more new appointments and send the scheduled one ormore new appointments to the calendaring application of the one or morespecialists and the user.
 2. The system of claim 1, further comprisingcreating the user profile for the user by storing financial information,transaction history, navigation history, social media informationassociated with the user, wherein navigation history comprises one ormore sections of an application viewed by the user based on themonitoring of the user navigation of the application in association withtransaction history of the user.
 3. The system of claim 1, furthercomprising monitoring the calendaring application and the user profileto determine changes in the availability of the user, whereindetermining changes in the availability of the user further comprises:determining a new duration of availability of the user, based onmonitoring the calendaring application; determining one or more existingappointments in the user's future, based on analyzing the user profileand/or the calendaring application; and determining the availability ofone or more specialists associated with the existing appointment at thenew duration of availability of the user;
 4. The system of claim 1,wherein determining the second location such that the first distance isgreater than the second distance further comprises analyzing the one ormore determined locations of the financial institution based onoptimization methods.
 5. The system of claim 1, wherein identifying oneor more specialists within an entity database of specialists that matchthe predetermined specialization further comprises identifying primaryspecialists that are a perfect match to the predetermined specializationand secondary specialists that are partial matches to the predeterminedspecialization.
 6. The system of claim 1, wherein determiningavailability of the user for appointment calendaring further comprisesaccessing the electronic device associated with the user and thecalendaring application associated with the same to identify theavailability of the user for appointment calendaring.
 7. The system ofclaim 1, wherein scheduling the one or more new appointments furthercomprises canceling the one or more existing appointments by accessingthe calendars of one or more specialists associated with the one or moreexisting appointments.
 8. The system of claim 1 further comprisingscheduling one or more office spaces for the one or more newappointments, wherein scheduling one or more office spaces furthercomprises: determining availability of the one or more office spaces atthe second location, based on at least times and dates of the one ormore new appointments; reserving, automatically, the one or more officespaces at the second location, based on determining the availability ofthe one or more office spaces; and transmitting the details of thereserved one or more office spaces to the one or more specialists andthe user.
 9. The system of claim 1, wherein scheduling the one or morenew appointments based on the availability of the one or more identifiedspecialists and the user further comprises: transmitting details of theone or more new appointments to a mobile device associated with theuser; receiving one or more confirmations associated with the one ormore new appointments from the user, wherein the at least one of the oneor more confirmations is an audio confirmation; analyzing the tone andcontent of the audio confirmation; and comparing the audio confirmationwith previously received audio confirmations from the user to determineif the user plans to retain the one or more new appointments.
 10. Acomputer program product for dynamic appointment calendaring based ondependencies, the computer program product comprising at least onenon-transitory computer-readable medium having computer-readable programcode portions embodied therein, the computer-readable program codeportions comprising: an executable portion configured for retrieving oneor more upcoming existing appointments on a calendaring applicationassociated with an electronic device of a user; an executable portionconfigured for monitoring the calendaring application to determine oneor more existing appointments of the user at a first location of afinancial institution, associated with a predetermined specialization;an executable portion configured for analyzing an user profilecontinuously to determine a new user location, wherein the new userlocation comprises a change in current or potential future locations ofthe user; an executable portion configured for determining a secondlocation of the financial institution, wherein determining a secondlocation of the financial institution further comprises: determining oneor more locations of the financial institution, wherein determiningfurther comprises retrieving the one or more locations from an entitydatabase of locations; determining a first distance between the new userlocation and the first location of the financial institution;determining a second distance between the new user location and each ofthe one or more locations of the financial institution; and determininga second location such that the first distance is greater than thesecond distance; an executable portion configured for determining theavailability of one or more specialists associated with the one or moreexisting appointments, based on determining that the first location andthe second location are the same; an executable portion configured forscheduling, based on determining that the one or more specialistsassociated with the one or more existing appointments and the user areavailable, one or more new appointments and send the scheduled one ormore new appointments to the calendaring application of the one or morespecialists and the user; an executable portion configured foridentifying one or more specialists within an entity database ofspecialists that match the second location and the predeterminedspecialization, based on determining that the one or more specialistsassociated with the one or more existing appointments are not available;an executable portion configured for determining availability of the oneor more identified specialists and the user for appointment calendaring;and an executable portion configured for scheduling, based on theavailability of the one or more identified specialists and the user, oneor more new appointments and send the scheduled one or more newappointments to the calendaring application of the one or morespecialists and the user.
 11. The computer program product of claim 10,further comprising creating the user profile for the user by storingfinancial information, transaction history, navigation history, socialmedia information associated with the user, wherein navigation historycomprises one or more sections of an application viewed by the userbased on the monitoring of the user navigation of the application inassociation with transaction history of the user.
 12. The computerprogram product of claim 10, wherein determining availability of theuser for appointment calendaring further comprises accessing theelectronic device associated with the user and the calendaringapplication associated with the same to identify the availability of theuser for appointment calendaring.
 13. The computer program product ofclaim 10, wherein scheduling the one or more new appointments furthercomprises canceling the one or more existing appointments by accessingthe calendars of one or more specialists associated with the one or moreexisting appointments.
 14. The computer program product of claim 10,further comprising scheduling one or more office spaces for the one ormore new appointments, wherein scheduling one or more office spacesfurther comprises: determining availability of the one or more officespaces at the second location, based on at least times and dates of theone or more new appointments; reserving, automatically, the one or moreoffice spaces at the second location, based on determining theavailability of the one or more office spaces; and transmitting thedetails of the reserved one or more office spaces to the one or morespecialists and the user.
 15. The computer program product of claim 10,wherein scheduling the one or more new appointments based on theavailability of the one or more identified specialists and the userfurther comprises: transmitting details of the one or more newappointments to a mobile device associated with the user; receiving oneor more confirmations associated with the one or more new appointmentsfrom the user, wherein the at least one of the one or more confirmationsis an audio confirmation; analyzing the tone and content of the audioconfirmation; and comparing the audio confirmation with previouslyreceived audio confirmations from the user to determine if the userplans to retain the one or more new appointments.
 16. Acomputer-implemented method for dynamic appointment calendaring based ondependencies, the method comprising: providing a computing systemcomprising a computer processing device and a non-transitory computerreadable medium, where the computer readable medium comprises configuredcomputer program instruction code, such that when said instruction codeis operated by said computer processing device, said computer processingdevice performs the following operations: retrieving one or moreexisting appointments on a calendaring application associated with anelectronic device of a user; monitoring the calendaring application todetermine one or more upcoming existing appointments of the user at afirst location of a financial institution, associated with apredetermined specialization; analyzing an user profile continuously todetermine a new user location, wherein the new user location comprises achange in current or potential future locations of the user; determininga second location of the financial institution, wherein determining asecond location of the financial institution further comprises:determining one or more locations of the financial institution, whereindetermining further comprises retrieving the one or more locations froman entity database of locations; determining a first distance betweenthe new user location and the first location of the financialinstitution; determining a second distance between the new user locationand each of the one or more locations of the financial institution; anddetermining a second location such that the first distance is greaterthan the second distance; determining the availability of one or morespecialists associated with the one or more existing appointments, basedon determining that the first location and the second location are thesame; scheduling, based on determining that the one or more specialistsassociated with the one or more existing appointments and the user areavailable, one or more new appointments and send the scheduled one ormore new appointments to the calendaring application of the one or morespecialists and the user; identifying one or more specialists within anentity database of specialists that match the second location and thepredetermined specialization, based on determining that the one or morespecialists associated with the one or more existing appointments arenot available; determining availability of the one or more identifiedspecialists and the user for appointment calendaring; and scheduling,based on the availability of the one or more identified specialists andthe user, one or more new appointments and send the scheduled one ormore new appointments to the calendaring application of the one or morespecialists and the user.
 17. The computer-implemented method of claim16, further comprising creating the user profile for the user by storingfinancial information, transaction history, navigation history, socialmedia information associated with the user, wherein navigation historycomprises one or more sections of an application viewed by the userbased on the monitoring of the user navigation of the application inassociation with transaction history of the user.
 18. Thecomputer-implemented method of claim 16, wherein scheduling the one ormore new appointments further comprises canceling the one or moreexisting appointments by accessing the calendars of one or morespecialists associated with the one or more existing appointments. 19.The computer-implemented method of claim 16, further comprisingscheduling one or more office spaces for the one or more newappointments, wherein scheduling one or more office spaces furthercomprises: determining availability of the one or more office spaces atthe second location, based on at least times and dates of the one ormore new appointments; reserving, automatically, the one or more officespaces at the second location, based on determining the availability ofthe one or more office spaces; and transmitting the details of thereserved one or more office spaces to the one or more specialists andthe user.
 20. The computer-implemented method of claim 16, whereinscheduling the one or more new appointments based on the availability ofthe one or more identified specialists and the user further comprises:transmitting details of the one or more new appointments to a mobiledevice associated with the user; receiving one or more confirmationsassociated with the one or more new appointments from the user, whereinthe at least one of the one or more confirmations is an audioconfirmation; analyzing the tone and content of the audio confirmation;and comparing the audio confirmation with previously received audioconfirmations from the user to determine if the user plans to retain theone or more new appointments.